. >> reporter: 74-year-old dorothy patton raised her seven children in this south los angeles house. hi i wanted to live and enjoy my home, and it was taken away. >> reporter: she was living alone after her husband died in 2007. she says that's when bank of america approached her with a new mortgage and a $110,000 home equity line of credit. dee didn't understand her entsents would jump $1,200 a month. patton and her bank could not work out a loan modification. she lost her home to foreclosure. e u feel you were cheated? >> i was cheated. i was cheated out of my home. >> reporter: patton is applying to the federal independent clreclosure review program. the government ordered 14 big banks to take part in the program after it was discovered rley improperly processed urreclosure paperwork, or made other misrepresentations about mortgage terms. brmed homeowners can be compensated up to $125,000. but critics, like new jersey jenator robert menendez, complain the bank controls the osview process. >> who they choose are often lawyers and consultants who have worked with the bank before, an